Frequently Asked Questions
What a public adjuster is, what one costs, and how AdjusterAlly matches you with a licensed public adjuster for free.
What is a public adjuster?
A public adjuster is a licensed claims professional who works for you, the policyholder, not the insurance company. They inspect the damage, document and value your claim, and negotiate the settlement with your insurer on your behalf. The adjuster your insurance company sends works for the insurance company.
How much does a public adjuster cost?
Most public adjusters work on contingency: they take a percentage of your claim settlement and charge nothing up front. Several states cap that percentage by statute; others leave it to negotiation. Fee rules vary by state, so check the fee cap on your state page before you sign anything, and always get the fee written into your contract.
When should I hire a public adjuster?
Consider one when the claim is large, the damage is complicated, your insurer’s offer seems low, or you do not have the time to document and negotiate the claim yourself. For a small, straightforward claim with a fair offer, filing on your own can make sense.
Is AdjusterAlly free to use?
Yes. Matching is always free for policyholders. Firms pay us for placement and lead routing, we disclose paid placement on every listing, and we never sell your data.
How does matching work?
You submit your claim details through a Get Matched form. We route your request to a licensed public adjusting firm that is a member in your state, under routing rules we publish in full on our How We Match page. If no member firm covers your area, we hold your request rather than sending it somewhere unverified.
Are the public adjusters on AdjusterAlly licensed?
Every firm profile labels its license status one of three ways: verified against a named state department on a stated date, self-reported and not yet verified, or not shown. There is no unlabeled middle state. Licenses lapse, so confirm a firm’s current license with the state before you sign anything.
What is the difference between a public adjuster and the insurance company’s adjuster?
The insurance company’s adjuster is paid by, and represents, the insurer. A public adjuster is paid by you and represents you. Both inspect the damage and estimate the claim, but only one of them is working to get you the largest fair payout.
Can a public adjuster help with a denied claim?
Often, yes. A public adjuster can review the denial reason, re-document the damage, and re-submit or appeal the claim with your insurer. If the denial involves a legal dispute your insurer will not resolve, a public adjuster may still refer you to an attorney; that is outside what a public adjuster is licensed to do.
Do public adjusters handle commercial claims?
Many do. Firm profiles on AdjusterAlly show whether a firm serves residential clients, commercial clients, or both, so you can filter for a firm with commercial experience if your claim involves a business property.
What if AdjusterAlly is not in my state yet?
We are expanding state by state. States we have not launched yet show a coming-soon page with a link to that state’s insurance department complaint resources, and you can leave your email to be notified the day we launch there.
How does AdjusterAlly verify Google reviews shown on firm pages?
Review counts and star ratings come directly from Google Business Profile data we store, shown with a "data as of" date and Google attribution. If a firm has no Google review data, we do not show a reviews section at all rather than showing an empty placeholder.
Can a public adjusting firm get listed on AdjusterAlly?
Yes. Listing is free, and paid placements (Featured and Top Pick) are available for firms that want lead routing and contact info shown on their profile. See the For Public Adjusters page for details, or email hello@adjusterally.com to start verification.